Owning a home is a dream that every Indian family cherishes, and at Fastfino, we're committed to making this dream a reality with our comprehensive home loan solutions. Whether you're looking to purchase your first home, construct a new property, renovate your existing house, or even buy a plot of land, our flexible home loan products cater to all your residential property needs. With interest rates starting from just 8.5% per annum and loan amounts up to ₹5 crores, we offer one of the most competitive and customer-friendly home financing options in the market.
What makes Fastfino's home loans stand out is our customer-centric approach that goes beyond just lending money. We provide end-to-end assistance starting from property evaluation, legal verification, documentation support, to final disbursal and beyond. Our team of experienced property consultants and loan specialists work closely with you to understand your specific requirements, budget constraints, and long-term financial goals, ensuring you get a customized loan solution that fits your unique situation perfectly.
We understand that buying a home is perhaps the most significant financial decision of your lifetime, which is why transparency and clarity are at the core of our lending philosophy. Unlike traditional lenders who surprise customers with hidden charges and complex fee structures, we believe in upfront disclosure of all costs including processing fees, prepayment charges, legal fees, and any other applicable charges. Our digital-first approach means you can track your loan application status in real-time, upload documents securely online, and even get in-principle approval within 48 hours without multiple bank visits.
With flexible repayment tenure options extending up to 30 years, you can choose an EMI that comfortably fits within your monthly budget without straining your finances. Additionally, our high Loan-to-Value (LTV) ratio of up to 90% means you need minimal down payment, making homeownership more accessible even for first-time buyers. Tax benefits under Section 80C and Section 24(b) of the Income Tax Act provide additional savings, reducing the effective cost of your home loan significantly. Partner with Fastfino today and take the first step towards building your dream home.
Key Features
Lowest Interest Rates
Starting from 8.5% p.a. with attractive offers
Quick Approval
In-principle approval within 48 hours
High LTV Ratio
Up to 90% loan-to-value on property
Flexible Tenure
Repayment options up to 30 years
Minimal Documentation
Simple paperwork with digital processing
Balance Transfer
Switch from other banks at lower rates
Eligibility Criteria
Age Requirement
21-65 years at loan maturity
Minimum Income
₹25,000 per month
Work Experience
2+ years for salaried, 3+ for business
Property Requirements
Clear title and approved construction
Documents Required
Identity & Address
- Aadhaar Card, PAN Card
- Passport, Voter ID, or Driving License
- Utility bills for address proof
Income & Property
- Salary slips / ITR for last 2 years
- Bank statements (6 months)
- Property documents & sale agreement
Interest Rates & Charges
Interest Rate
8.5% - 11% p.a.
Processing Fee
Up to 1% + GST
Prepayment Charges
Nil (floating)
Loan Application Process
Property Selection & Initial Assessment
Choose your desired property and share basic details with us. Our team will conduct a preliminary eligibility check based on your income, age, and property value. We'll provide you with an indicative loan amount and EMI structure within hours of receiving your initial information.
Document Submission & Verification
Upload all required documents through our secure digital portal. Our verification team reviews your KYC, income proof, and property documents. Simultaneously, we initiate property legal and technical verification to ensure clear title and approved construction plans meeting all regulatory requirements.
Sanction & Agreement
Once all verifications are complete, you'll receive the formal loan sanction letter detailing the approved amount, interest rate, tenure, and applicable charges. Review the terms carefully and e-sign the loan agreement digitally for a paperless, convenient experience.
Disbursal & Registration
For ready-to-move properties, the entire loan amount is disbursed to the seller after property registration. For under-construction properties, funds are released in stages based on construction progress as per the builder-buyer agreement. We also provide assistance with property registration formalities.
Property Types We Finance
Ready-to-move Flat
Immediate possession in completed projects
Under Construction
Pre-launch to near-completion stages
Independent House
Standalone villas and bungalows
Plot Purchase
RERA approved residential plots
Home Construction
Build your dream home on owned plot
Home Extension
Add additional rooms or floors
Home Improvement
Complete renovation and repairs
Balance Transfer
Switch existing loan to lower rates
Tax Benefits on Home Loans
Section 80C Deductions
Claim deductions up to ₹1.5 lakhs annually on principal repayment amount. This significantly reduces your taxable income and effective tax liability. The deduction is available from the financial year in which possession is received.
Additional ₹1.5 lakhs deduction available under Section 80EEA for first-time homebuyers on interest paid for affordable housing (property value up to ₹45 lakhs).
Section 24(b) Deductions
Claim deductions up to ₹2 lakhs per year on interest paid for self-occupied property. For let-out property, the entire interest amount is deductible without any upper limit, providing substantial tax savings for investors.
Pre-construction interest can also be claimed in 5 equal installments starting from the year possession is taken, maximizing your tax benefits.